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START A HOME LOAN APPLICATION WITH LUIS CARRANZA

Service Promise

Believing that communication is a cornerstone of smart financial planning, Luis offers his clients an Anytime Access Guarantee. Borrowers can reach Luis any day of the week and set evening appointments when it better fits their schedule. In addition to being just a phone call away, Luis encourages clients to meet with him in person. The Anytime Access Guarantee is Luis’ way of reminding clients that he is always there for them and committed to providing personal service through out the entire loan process.

Products

There is no one-size-fits-all solution to home financing, which is why PrimeLending offers a wide range of loan program options offered in all 50 states. Their product mix includes conventional, jumbo, government, and specialty options at highly competitive rates. Contact Luis directly to get the full list of mortgage solutions.

    • Bank Statement Loans
    • Jumbo Loans
    • Conventional Conforming & High Balance Loans
    • FHA & VA Loans
    • Foreign National Loans

    • California Housing Finance Agency (“CalHFA”)
    • Standard Documentation Loans
    • Renovation Loans
    • Construction Loans
    • Lot Loans

  • Accolades

    • Top 10 Purchase Lender in the nation by Marketrac® 2012-20161
    • Ranked 12th on the Top 100 Mortgage Companies in America by Mortgage Executive Magazine2
    • 6th in top retail volume by Scotsman Guide3
    • 11th in top overall volume by Scotsman Guide3
    • Inducted into the Mortgage Banker Association’s Hall of Honor program4

STANDING OUT

As a Leader in Lending

Our outstanding service, streamlined process and experienced loan officers have helped to earn us respect as a leading mortgage lender. While the recognition is great, we’re even prouder knowing that our customers are the real winners.

DISCLAIMERS:
1As reported by Marketrac, powered by CoreLogic® for purchase units nationally for 2012-2016.
2Ranked by Mortgage Executive Magazine for 2016.
3Ranked the Scotsman Guide for retail volume and overall volume in 2016.
4Named by Mortgage Bankers Association.

Refinance

Refinancing is the process of obtaining a new mortgage in an effort to reduce monthly payments, lower your interest rates, take cash out of your home, or change mortgage companies. 

 

When you refinance, you pay off your existing mortgage and create a new one. You may even decide to combine both a primary mortgage and a second mortgage into a new loan.

 

Determining your eligibility for refinancing is similar to the approval process that you went through with your first mortgage. Your lender will consider your income and assets, credit score, other debts, the current value of the property, and the amount you want to borrow.

How can you tell if a refinance will save you money?

Mortgage Rates

Mortgage Rates are at historic lows, which gives borrowers considerable buying power. Looking at the last 20 years of Fixed Mortgage Rates, you can see how fortunate we are today.

2018

45%

4.54%

2017

39%

3.99%

2016

39%

3.92%

2015

38%

3.83%

2014

41%

4.17%

2013

39%

3.98%

2012

36%

3.66%

2011

44%

4.45%

2010

47%

4.69%

2009

50%

5.04%

2008

60%

6.03%

2007

63%

6.34%

2006

64%

6.41%

2005

58%

5.84%

2004

58%

5.87%

2003

58%

5.83%

2002

65%

6.54%

2001

69%

6.97%

2000

80%

8.05%

1999

74%

7.44%

1998

69%

6.94%

1997

76%

7.6%

1996

78%

7.81%

1995

79%

7.93%

2016

3.92%

0%

2015

3.83%

0%

2014

4.17%

0%

2013

3.98%

0%

2012

3.66%

0%

2011

4.45%

0%

2010

4.69%

0%

2009

5.04%

0%

2008

6.03%

0%

2007

6.34%

0%

2006

6.41%

0%

2005

5.84%

0%

Rate Quote

Mortgage Rates change often and vary from person to person. Fill out this quick form for a custom rate quote.

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